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What is a Balance Transfer?
You can use your Associated Bank credit card to pay off high interest debts. A check, drawn against your Associated Bank credit card account, will be sent to the other Creditor. The amount of the check will be added to the purchase balance on your account.
Why should I transfer balances?
Most balance transfer programs offer a lower Annual Percentage Rate (APR) for a specified period of time. You can transfer multiple balances to consolidate your debt, providing you have enough credit available. Then, you will have only one monthly payment.
Who can I pay with a Balance Transfer?
You can pay any creditor in the U.S. as long as you have an account number with them, including the Internal Revenue Service. Please note: you cannot pay balances on any Citibank, CHOICE®, or AT&T Universal Card accounts.
How long will it take to process my Balance Transfer request?
Finance charges will be assessed on Balance Transfers from the date the transaction posts to your account, which could be as early as today if the payment is sent electronically. If the payment is made using a Balance Transfer check, Finance Charges will be assessed from the date the check is received by Citi for payment. You will receive separate notification regarding the status of your request within 7-10 days. During this time, you can also check the Balance Transfer status page in Account Online. Please continue to make a minimum payment to your creditor(s) until that account is paid in full. Remember, all requests are subject to review and approval.
Can I transfer a balance that is not in my name?
Yes. The debt at the other creditor can belong to anyone.
How much can I transfer?
You can transfer any amount, including Balance Transfer fees, as long as the total amount does not exceed your available credit limit. PLEASE NOTE: you should not pay anything that is currently in dispute with another creditor, because you could lose your dispute rights.
What information is necessary to process a balance transfer?
Creditor's name, payment address, account number and the amount you want to transfer (providing you have sufficient credit available).
Is there a fee for transferring a balance?
Some accounts might be charged a fee. Please refer to your specific Balance Transfer offer to determine if your account has a fee.
What if I change my mind once I request a Balance Transfer?
Once you initiate a Balance Transfer, we cannot stop the process.
Balance Transfer Details
* You may not qualify for this offer if you are in default under any Card Agreement.
* We reserve the right to conduct a credit review, including obtaining third party credit reports, to determine your eligibility for this offer.
* Any transaction fees, such as balance transfer and cash advance fees, associated with this offer will be included in total in your next minimum payment amount.
* You cannot transfer balances from other accounts issued by Citibank (South Dakota), N.A. or its affiliates.
* Be sure you do not transfer any disputed purchase or other charge amount, as you may lose your dispute rights.
* Transferred balance amounts do not earn any miles, rebates, points or reward benefits associated with your card, unless otherwise indicated.
* Valid only for U.S., Puerto Rico and U.S. Virgin Islands based cardmembers and creditors located in those areas.
* Your card is issued by Citibank (South Dakota), N.A.
Citi Disclosures
Annual Percentage Rate (APR) for purchases 10.49% variable .
Other APRs Balance transfer APR: As long as first balance transfer is completed within 12 months from date of account opening, 0.00% for 12 months from date of first balance transfer. After that, 10.49% variable.
Cash advance APR: 21.49% variable.
Default APR: 30.49% variable. See explanation below.*
Variable rate information Your APRs may vary each billing period. **
The Associated Bank Visa® Platinum purchase and balance transfer APR equals the U.S. Prime Rate** plus 3.99%. The cash advance APR equals the U.S. Prime Rate plus 14.99%, with a minimum APR of 19.99%. The default APR equals the greater of (1) the Prime Rate plus up to 23.99% or (2) up to 28.99%.
Grace period for repayment of the balance for purchases At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.
Method of computing the balance for purchases Average daily balance. This includes new purchases.
Minimum finance charge 50 cents.
Annual fees None.
Fee for purchases made in a foreign currency 3% of each purchase after it is converted into US dollars.
Other fees
Balance transfer fee: 3% of the amount of each balance transfer, $5 minimum, $75 maximum. However, there is no fee with the 0.00% APR balance transfer offer described above.
Cash advance fee: 3% of each cash advance; $5 minimum.
Late fee: $15 on balances up to $100;
$29 on balances of $100 up to $1000;
and $39 on balances of $1000 and over.
Over-the-credit-line fee: $35
* All your APRs may automatically increase up to the Default APR if you default under any cardmember agreement that you have with us because you fail to make a payment to us when due, you exceed your credit line, or you make a payment to us that is not honored.
** For each billing period we use the U.S. Prime Rate published in The Wall Street Journal two business days prior to the Statement/Closing Date for that billing period.
We apply your payments to low APR balances before higher APR balances. That means your savings will be reduced if you make transactions that are subject to higher APRs.
Rates, fees, and terms may change: We have the right to change the rates, fees, and terms at any time, for any reason, in accordance with the cardmember agreement and applicable law. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive advance notice and a right to opt out in accordance with applicable law.
TERMS AND CONDITIONS OF OFFER
• This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your account.
• Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may ask for identifying documents from you as well.
• Please allow four weeks from date of submission to process a completed application.
• We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
• To receive a Associated Bank Visa® Platinum, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line.
• If you are approved for credit, you will receive a cardmember agreement ("Card Agreement") with your card. Read it carefully for important information regarding your account. The Card Agreement will be binding on you unless you cancel your account within 30 days after receiving your card and you have not used or authorized use of your account.
BALANCE TRANSFER INSTRUCTIONS
Just follow these simple steps to start saving money by transferring balances from your high-interest credit cards.
1. About three weeks after you get your card, you'll receive a complimentary balance transfer kit with everything you need to pay off your high–rate cards.
2. You may transfer any amount, but the total amount, including any balance transfer fee, must be less than your available credit line. You should not transfer the amount of any disputed purchase or other charge. If you do you may lose your dispute rights. You may not transfer balances from other accounts issued by Citibank (South Dakota), N.A. or its affiliates. Continue to pay the other credit card issuer until we nofity you in writing that we have approved the balance transfer. When we do, we pay the amount of the balance transfer directly to that issuer.
3. Be ready to pay any balance transfer fee. We bill the entire amount of the balance transfer fee as part of your required minimum payment when the balance transfer posts to your account. We also begin to assess finance charges from the date they post to your account.
4. Keep your account in good standing. If you do not, we may not approve future balance transfers.
Associated Bank Visa® Card: Frequently Asked Questions
What is the Annual Fee?
For both the Associated Bank Visa Platinum and Associated Bank Visa cards, there are no annual fees.
Where can I find information about my APR and fees?
Please see the Terms and Conditions of this offer for details.
How do I transfer a balance?
It's easy to transfer balances. Call us at 1-800-219-7941 to request your Associated Bank Visa cards. Tell the Customer Service representative the amount you would like to transfer and from what credit cards. Please have your account information (creditor, payment address, account number) handy when you call. You can also wait for your kit that will be mailed to you after you receive your card.
How do I sign up for the Optional TravelerMiles Program?
If you are applying for a card today, complete details and an enrollment form will arrive after you get your card. If you are a current cardholder, print a copy of the TravelerMiles enrollment form, complete it and mail it back to us.
Information about finance charges?
Please see the Terms and Conditions of this offer for details.
What is a grace period?
Please see the Terms and Conditions of this offer for details.
How long does it take to transfer a balance?
It can take up to three weeks to establish your new Associated Bank Visa card account(s) and post any balance transfers. So you may need to make payments to your other accounts during this period to keep them current.
How many cards can I get? And is there a charge?
If you would like an additional card, complete the appropriate section on your application. Many Associated Bank users find that providing additional cards to other family members is an excellent way to track household spending. After your account is opened, you can call 1-800-219-7941 and add up to 5 additional authorized users.There is no extra charge for this service.
Does this offer apply to people who do not reside in the U.S.?
No. Only people residing in the U.S. and its territories are eligible for this offer.
When can I expect to receive my new Associated Bank Visa card(s)?
Your new Associated Bank Visa card(s) should arrive in 3 to 4 weeks.
